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FHA California Loan Amount Limits Remain High on a Mortgage for Buying or Refinancing in CA
It's been widely reported that the low interest rates this year have broken more records and the housing recovery has begun to take place in most of the country. Since the "Golden State" boasts of high property values it is easy to see why it's taking a little bit longer for the regions with the most foreclosures and underwater mortgages to rebound. The FHA limits for 2014 will stay the same as homeowners in the state move to refinance their home into an affordable loan payment. West coast homeowners benefit from new increased loan limits for California refinance loans up to $625,550. Many borrowers will take advantage of the FHA California loan amounts that enable struggling homeowners to refinance into a fixed rate mortgage payment that is low enough for them to avoid foreclosure. California loan limits remain robust, so get approved for a government insured mortgage today. With 30-year rates at the lowest point in history, home refinancing in California looks like fun.
Learn How to Save Money Buying a Home in California with a FHA
One of the driving factors in housing recover has come from California FHA loan programs that provided the affordability and flexibility that home buyers needed to get active again. The reality is that first time home buyers in California choose FHA almost 3 to 1 in the last five years. Most local Realtors would attribute this two low rates, low down-payments and more lenient credit requirements. California loan limits are still high with FHA programs.
Low Rate Loans and Refinancing with Increased California FHA Limits
Southern California borrowers have begun to utilize FHA for mortgage refinancing in high volumes. California FHA limits are still dramatically higher than they were just a decade ago. Home values continue to slide in San Diego, Orange County, Riverside, Los Angeles and San Jose, but this has created a new opportunity for California homebuyers because housing is more affordable than ever. Consider FHA home mortgage for fixed rate refinance or purchase loans from $417,000 to $625,550 in designated high cost areas. Application volumes on first time home buyer loans with FHA in San Diego continue to rise as Southern California interest rates continue to fall.
Look for California FHA Lenders that are offering incredible mortgage rates with improved home refinancing with cash out options available up to 85% for qualified borrowers. If you want to minimize your deposit on your next home purchase then consider a loan insured by the FHA.
FHA home loans are provided to qualifying homeowners who meet the FHA lending criteria set forth by the Housing of Urban Development (HUD). The Housing of Urban Development raised the California mortgage maximum limits for 2016, 2017 and the guidelines changes can be seen below by county. The Federal Housing Administration has committed to keeping higher loan amounts in California for FHA financing. The Department of Housing and Urban Development has made significant efforts to accommodate the growing demands of financing in high cost areas like Northern and Southern California. See the latest California loan limits on FHA insured mortgages.
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California Mortgage Limits for FHA Loans by County
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MSA Name |
County Name |
State |
One-Family |
Two-Family |
Three-Family |
Four-Family |
SAN DIEGO-CARLSBAD-SAN MARCOS, CA |
SAN DIEGO |
CA |
$546,250 |
$699,300 |
$1,079,350 |
$1,341,350 |
SALINAS , CA |
MONTEREY |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
BISHOP, CA |
INYO |
CA |
$437,500 |
$560,050 |
$677,000 |
$841,350 |
SAN LUIS OBISPO-PASO ROBLES, CA |
SAN LUIS OBISPO |
CA |
$561,200 |
$880,100 |
$1,063,850 |
$1,322,150 |
YUBA CITY , CA |
YUBA |
CA |
$425,000 |
$544,050 |
$657,650 |
$817,300 |
YUBA CITY , CA |
SUTTER |
CA |
$425,000 |
$544,050 |
$657,650 |
$817,300 |
UKIAH , CA |
MENDOCINO |
CA |
$512,500 |
$656,100 |
$793,050 |
$985,600 |
SANTA BARBARA-SANTA MARIA, CA |
SANTA BARBARA |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
NAPA , CA |
NAPA |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
RED BLUFF, CA |
TEHAMA |
CA |
$312,500 |
$400,050 |
$483,550 |
$600,950 |
VALLEJO-FAIRFIELD , CA |
SOLANO |
CA |
$557,500 |
$713,700 |
$862,700 |
$1,072,150 |
SANTA CRUZ-WATSONVILLE, CA |
SANTA CRUZ |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
CHICO , CA |
BUTTE |
CA |
$400,000 |
$512,050 |
$618,950 |
$769,250 |
FRESNO , CA |
FRESNO |
CA |
$381,250 |
$488,050 |
$589,950 |
$733,150 |
LOS ANGELES-LONG BEACH-GLENDALE, CA |
LOS ANGELES |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
SANTA ANA-ANAHEIM-IRVINE, CA |
ORANGE |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
MERCED , CA (MSA) |
MERCED |
CA |
$472,500 |
$604,900 |
$731,150 |
$908,650 |
PHOENIX LAKE-CEDAR RIDGE , CA |
TUOLUMNE |
CA |
$437,500 |
$560,050 |
$677,000 |
$841,350 |
OAKLAND-FREMONT-HAYWARD , CA |
ALAMEDA |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
OAKLAND-FREMONT-HAYWARD , CA |
CONTRA COSTA |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, |
MARIN |
CA |
$729,750 |
$934,200 |
$1,129,250 |
$1,403,400 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, CA METROPOLI |
SAN MATEO |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
SAN FRANCISCO-SAN MATEO-REDWOOD CITY, |
SAN FRANCISCO |
CA |
$625,050 |
$934,200 |
$1,129,250 |
$1,403,400 |
REDDING , CA |
SHASTA |
CA |
$423,750 |
$542,450 |
$655,700 |
$814,900 |
STOCKTON , CA |
SAN JOAQUIN |
CA |
$488,750 |
$625,700 |
$756,300 |
$939,900 |
NON-METRO |
MONO |
CA |
$462,500 |
$592,050 |
$715,700 |
$889,450 |
NON-METRO |
GLENN |
CA |
$287,500 |
$368,050 |
$444,900 |
$552,900 |
NON-METRO |
MODOC |
CA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
ALPINE |
CA |
$547,500 |
$700,900 |
$847,200 |
$1,052,900 |
NON-METRO |
AMADOR |
CA |
$443,750 |
$568,050 |
$686,650 |
$853,350 |
NON-METRO |
COLUSA |
CA |
$397,500 |
$508,850 |
$615,100 |
$764,400 |
NON-METRO |
PLUMAS |
CA |
$410,000 |
$524,850 |
$634,450 |
$788,450 |
NON-METRO |
SIERRA |
CA |
$285,000 |
$364,850 |
$441,000 |
$548,050 |
NON-METRO |
TRINITY |
CA |
$271,050 |
$347,000 |
$419,400 |
$521,250 |
NON-METRO |
MARIPOSA |
CA |
$412,500 |
$528,050 |
$638,300 |
$793,250 |
NON-METRO |
SISKIYOU |
CA |
$293,750 |
$376,050 |
$454,550 |
$564,900 |
NON-METRO |
CALAVERAS |
CA |
$462,500 |
$592,050 |
$715,700 |
$889,450 |
MODESTO , CA |
STANISLAUS |
CA |
$423,750 |
$542,450 |
$655,700 |
$814,900 |
CRESCENT CITY , CA |
DEL NORTE |
CA |
$311,250 |
$398,450 |
$481,650 |
$598,550 |
HANFORD-CORCORAN , CA |
KINGS |
CA |
$325,000 |
$416,050 |
$502,900 |
$625,000 |
CLEARLAKE , CA |
LAKE |
CA |
$401,250 |
$513,650 |
$620,900 |
$771,650 |
EUREKA-ARCATA-FORTUNA , CA |
HUMBOLDT |
CA |
$393,750 |
$504,050 |
$609,300 |
$757,200 |
SACRAMENTO --ARDEN-ARCADE-- ROSEVILLE , CA |
YOLO |
CA |
$580,000 |
$742,500 |
$897,500 |
$1,115,400 |
SACRAMENTO --ARDEN-ARCADE-- ROSEVILLE , CA |
PLACER |
CA |
$580,000 |
$742,500 |
$897,500 |
$1,115,400 |
SACRAMENTO --ARDEN-ARCADE-- ROSEVILLE , CA |
EL DORADO |
CA |
$580,000 |
$742,500 |
$897,500 |
$1,115,400 |
SACRAMENTO --ARDEN-ARCADE-- ROSEVILLE , CA |
SACRAMENTO |
CA |
$580,000 |
$742,500 |
$897,500 |
$1,115,400 |
TRUCKEE-GRASS VALLEY , CA |
NEVADA |
CA |
$562,500 |
$720,100 |
$870,450 |
$1,081,750 |
VISALIA-PORTERVILLE , CA |
TULARE |
CA |
$325,000 |
$416,050 |
$502,900 |
$625,000 |
SUSANVILLE , CA |
LASSEN |
CA |
$285,000 |
$364,850 |
$441,000 |
$548,050 |
EL CENTRO , CA |
IMPERIAL |
CA |
$325,000 |
$416,050 |
$502,900 |
$625,000 |
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| Client Testimonials |
"We only had a small amount saved to put down on a home, but BD Nationwide helped us get approved for a FHA loan. In less than a month we closed on our first home.Thanks for everything!"
– The Jacksons
"After spinning our wheels with mortgage brokers online, it was nice to find a lender that met our needs with a low rate refinance that even gave us cash back. Thanks for all your help!"
– The Cassidy Family
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